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All Journal SOROT: Jurnal Ilmu-ilmu Sosial JIP (Jurnal Industri dan Perkotaan) JEJAK JKBM (JURNAL KONSEP BISNIS DAN MANAJEMEN) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) SULTANIST: Jurnal Manajemen dan Keuangan Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Maker: Jurnal Manajemen FINANCIAL : JURNAL AKUNTANSI JURNAL MUTIARA AKUNTANSI Valid Jurnal Ilmiah JAS (Jurnal Agri Sains) International Journal of Business, Law, and Education GOVERNANCE: Jurnal Ilmiah Kajian Politik Lokal dan Pembangunan Strategic: Journal of Management Sciences Proceeding of The International Conference on Economics and Business International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Governance Risk Management Compliance and Sustainability Applied Quantitative Analysis (AQA) Innovative: Journal Of Social Science Research Mount Hope Global Economic Journal Journal of Business Management Glow: Jurnal Pengabdian Kepada Masyarakat Economic: Journal Economic and Business Proceeding of The International Conference on Management, Entrepreneurship, and Business
Robert Tua Siregar
Sekolah Tinggi Ilmu Ekonomi Sultan Agung
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Transportation Other

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THE EFFECT OF FINANCIAL INCLUSION ON THE PERFORMANCE OF MSMES IN NORTH SUMATERA WITH FINANCIAL LITERACY AS A MEDIATION Syaifuddin, Syaifuddin; Rosmaneliana, Dina; Toni, Nagian; Aktar, Salim; Siregar, Robert Tua
JURNAL AKUNTANSI FINANCIAL STIE SULTAN AGUNG Vol 12 No 1S (2026): (International Conference ICEBEMA Dr. Soetomo University and ICEBesMA Prima Ind
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/financial.v12i1S.832

Abstract

This study aims to examine the effect of financial inclusion on the performance of Micro, Small, and Medium Enterprises (MSMEs), with financial literacy acting as a mediating variable. MSMEs play a vital role in economic growth; however, many business owners face challenges related to limited access to financial services and inadequate financial knowledge. This research employs a quantitative approach using a survey method. Data were collected from MSME owners through structured questionnaires and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that financial inclusion has a positive and significant effect on MSME performance, demonstrating that access to banking services, credit facilities, and digital financial platforms supports business growth and operational efficiency. Financial inclusion also significantly influences financial literacy, suggesting that greater exposure to financial services enhances business owners’ financial knowledge and skills. Furthermore, financial literacy has a significant positive effect on MSME performance and is proven to mediate the relationship between financial inclusion and performance. These findings imply that financial inclusion alone is insufficient without adequate financial literacy to ensure effective utilization of financial resources. Therefore, improving financial education alongside expanding access to financial services is essential to strengthen MSME sustainability and competitiveness. This study provides valuable insights for policymakers and financial institutions in developing strategies to enhance MSME performance through inclusive and educational financial systems.
Pengaruh Relationship Marketing dan Kepuasan Pelanggan Terhadap Loyalitas Pelanggan Pada Toko BEST Pematangsiantar Robert Tua Siregar; Sofiyan Sofiyan; Yansen Siahaan; Christine Loist; Olympic Olympic
Strategic: Journal of Management Sciences Vol. 1 No. 3 (2021): Strategic: Journal of Management Sciences
Publisher : Program Studi Magister Ilmu Manajemen Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/strategic.v1i3.26

Abstract

Objective. The purpose of this study was to determine: To analyze the effect of relationship marketing on customer satisfaction at the Best Pematangsiantar Store. Then the influence of customer satisfaction on customer loyalty at the Best Pematangsiantar Store. Research Methods. The object of research is Pematangsiantar Best Store which is located on Jl. Sutomo No. 63, Kelurahan Dwikora, Kecamatan Siantar Barat, Pematangsiantar, 21118. In this study, all members of the population were used as data sources, namely as the sample of the researcher. Where the research population is the Best Pematangsiantar Store customers with a total of 35 people, who also become the research sample. Results. The results of simple linear regression analysis show that relationship marketing has a positive effect on customer satisfaction and customer satisfaction has a positive effect on customer loyalty. The results of simple linear regression analysis show that relationship marketing has a strong and positive relationship with customer satisfaction, and customer satisfaction has a very strong and positive relationship with customer loyalty.. The results of the hypothesis test state that H0 is rejected, meaning that relationship marketing has a positive and significant effect on customer satisfaction, and customer satisfaction has a positive and significant effect on customer loyalty. Conclusion. Relationship marketing at the Best Pematangsiantar Store in this case has been categorized as good. Even though it has been categorized as good, the leadership should try to improve and also create long-term relationships with customers and also fulfill all the needs according to the wishes of these customers. Customer satisfaction at the Best Pematangsiantar Store in this case has been categorized as good. Even though it has been categorized as good, it is better for the leadership to maintain long-term relationships and give good attention so that customers will feel more satisfied. Customer loyalty at the Best Pematangsiantar Store in this case has been categorized as good. Even though it has been categorized as good, the leadership should try to establish close relationships with customers and pay attention so that customers become loyal.
Strategies for developing competitive advantage to increase customer satisfaction in the logistics business in Indonesia Ramadhan, Mhd; Efendi, Efendi; Siregar, Robert Tua; Saragih, Randika; Siswanto, Agus
Economic: Journal Economic and Business Vol. 5 No. 2 (2026): ECONOMIC: Journal Economic and Business
Publisher : Lembaga Riset Mutiara Akbar (LARISMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56495/ejeb.v5i2.1573

Abstract

This study aims to analyze competitive advantage development strategies to improve customer satisfaction in the logistics business in Indonesia. Increasingly fierce competition demands logistics companies to be able to create superior value through service quality and customer value. This study uses a quantitative approach with a survey method of logistics service users, with data collection through an online questionnaire. The variables studied include service quality, customer value, competitive advantage, and customer satisfaction. Data analysis was conducted using the Structural Equation Modeling (SEM) method to test the relationship between variables. The results show that service quality and customer value have a positive and significant effect on competitive advantage. In addition, service quality, customer value, and competitive advantage also have a positive and significant effect on customer satisfaction. These findings indicate that improving service quality and creating customer value can effectively enhance a company's competitive advantage. A strong competitive advantage will impact on increasing customer satisfaction with the services received. Therefore, logistics companies need to continue to develop strategies that focus on improving service quality and customer value to maintain competitiveness and increase customer satisfaction sustainably.
SKILL DEVELOPMENT TRAINING FOR MSME ACTORS IN BANDAR AND BANDAR MASILAM DISTRICT, SIMALUNGUN REGENCY Sofiyan; Lora Ekana Nainggolan; Nana Triapnita Nainggolan; Darwin Lie; Robert Tua Siregar
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 3 (2025): November 2025 - February 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19479570

Abstract

Skills and digital training for MSME actors is a strategic effort to improve competence in the use of digital technology to strengthen and develop businesses. The activity, which lasted for three days, from Monday, Dec 15, 2025 to Wednesday, Dec 17, 2025, aimed to equip participants with practical skills in the fields of digital marketing, financial management, and operational efficiency. The material includes the use of social media, digital systems, and marketing techniques according to market trends, so that it is expected to be able to increase the competitiveness, effectiveness, and sustainability of MSMEs in the midst of the challenges of globalization and digital transformation.
CROSS-COUNTRY MANGROVE CONSERVATION: SYNERGY OF PUI MANGROVE USU AND PUI UNPRI SPATIAL DEVELOPMENT IN THE 3RD SUMMER COURSE IN LANGKAT Robert Tua Siregar; Ira Modifa; Puji Syukran; Despaleri Perangin-Angin
International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Vol. 5 No. 3 (2025): November 2025 - February 2026
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19479892

Abstract

Mangrove ecosystems have a crucial role as coastal fortresses as well as supporting the ecological and economic balance of the community. As a tangible manifestation of the implementation of the Tri Dharma of Higher Education, the Center for Excellence in Science and Technology (PUI) of the University of North Sumatra in synergy with Universitas Prima Indonesia held a 3rd Summer Course with the theme "International Community Service for Conservation and Mangrove Ecosystem Service". This international community service activity was held on September 6-7, 2025 in the Mangrove Forest of Beras Basah Village, Lalat Regency. The programme involves multidisciplinary and cross-border collaboration, bringing together experts and students from renowned global institutions, including Dilliman College, Chulalongkorn University (Thailand), Universiti Sultan Zainal Abidin (Malaysia), as well as the National Research and Innovation Agency (BRIN). PUI Bina Ruang UNPRI also actively participates in conducting in-depth observations on the correlation between the preservation of mangroves and the spatial layout of human life in coastal areas. Through a participatory and educational approach, this activity not only aims to accelerate environment-based national development, but also formulate innovative solutions in maintaining mangrove ecosystem services for global sustainability.
Co-Authors Acai Sudirman Ady Inrawan Agus Siswanto Ananda Lubis, Fajar Rezeki Awang Firdaos Butarbutar, Marisi Butarbutar, Novita Caniago, Chandra Christine Loist Damanik, Ronald Damanik, Tiara Sastika Darwin Lie Debi Eka Putri Delima Asyanti Simanjuntak Despaleri Perangin-Angin Dharma, Edy Dina Rosmaneliana Edward, Yusuf Ronny Efendi Efendi Efendi, Efendi Elisabeth Simatupang, Elisabeth Elly Romy Elly Susanti Elly Susanti Erbin Chandra Ernest Grace Fitria Halim Ganovia, Paulus Hasibuan, Muhammad Aldiansyah Hery Pandapotan Silitonga Immanuel Fernando Hosea Manurung Ira Modifa Juan Anastasia Putri Julyanthry, Julyanthry Junaidi, Koko Karin Putri Azura Pulungan Kartini harahap Kevin Indajang Khairunnisah Lubis Lenny Dermawan Sembiring Lora Ekana Nainggolan Lubis, Abdi Kurnia Lubis, Susanti Sri Rezeki Manurung, Eriyanti Agustina Marintan Saragih Martin Martin Matondang, Sofiyan Mhd Ramadhan Nainggolan, Christine Dewi Nana Triapnita Nainggolan Olympic Olympic Pakpahan, Grace Endang Pantas, Hendrick Parhusip, Austin Alexander Pasaman Silaban Puji Syukran Pulungan, Karin Putri Azura Purba, Melfrianti Romauli Ramadhan Ramadhan Romy, Elly Rostina, Cut Fitri Ruth Tridianty Sianipar Salim Aktar Saprida, Saprida Saragih, Randika Sekali, Abednego Suranta Karo sherly sherly Sianipar, Ruth Tridianti Sianipar, Ruth Tridiyanti Silitonga, Hery Pandapotan Simanjuntak, Christina Novalita Simanjuntak, Delima Asyanti Sinaga, Tri Eva Maria Sisca Sisca Sisca Sisca, Sisca Sitepu, Hendra Gunawan Sofiyan Sofiyan Sofiyan Sofiyan Sofiyan styawan, jody Supitriyani, Supitriyani Syaifuddin Syaifuddin Theodorus, Gabriella Franly Tina Novianti Sitanggang Toga Sehat Sihite Toni, Nagian Vitri Tarigan Vivi Wahana Wahana, Vivi Yansen Siahaan Yunior, Khomeiny Yusniar Lubis